Carlisle, KY · Charter 62561
Q4 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.39% | 4.42% | 3.75% | 0.51% | 0.85% | 2.87% | -4.11% | 1.62% | +112 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 7.67% | -12.20% | 4.31% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 3.94% | 4.18% | 4.86% | 3.00% | 3.33% | -61 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 55.27% | 35.45% | 41.92% | 67.22% | 52.44% | -283 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.98% | 5.87% | 0.31% | -14.97% | -24.34% | -26.75% | -30.02% | -19.83% | -486 bps | |
| Loan Growth (YoY) | 68.41% | 46.32% | 24.05% | 0.81% | -17.08% | -26.42% | -40.16% | -39.88% | -4,069 bps | |
| Share Growth (YoY) | 16.69% | 6.16% | -1.45% | -21.04% | -32.42% | -36.51% | -37.62% | -27.48% | -645 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.86% | 2.50% | 2.72% | 6.50% | 9.31% | 19.83% | 9.08% | 5.04% | -146 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.84% | 2.56% | 2.11% | 2.79% | 5.33% | 9.84% | 6.25% | 6.87% | +408 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 37.46% | 33.70% | 37.67% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 37.46% | 33.70% | 37.67% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.61% | 46.57% | 43.18% | 56.33% | 48.60% | 53.97% | 41.42% | 46.70% | -963 bps | |
| Liquid Assets / Assets | 67.33% | 58.15% | 64.69% | 56.65% | 37.89% | 54.85% | 61.08% | 72.24% | +1,559 bps | |